
\begin{table}[htbp]
   \caption{\label{tab:compreg3netmax} Regression results: Net savings and censored net savings regressed on income, race, and urban/rural designation}
   \centering
   \begin{tabular}{lcccccc}
      \tabularnewline \midrule \midrule
       & \multicolumn{3}{c}{Savings} & \multicolumn{3}{c}{Max\{Savings, 0\}} \\ 
      Model:           & (1)            & (2)            & (3)           & (4)            & (5)            & (6)\\  
      \midrule
      \emph{Variables}\\
      Constant         & -305.6$^{***}$ &                &               & 60.27$^{***}$  &                &   \\   
                       & (9.668)        &                &               & (2.253)        &                &   \\   
      Less than \$10k  & 89.12$^{***}$  & 84.18$^{***}$  & 69.74$^{***}$ & -33.80$^{***}$ & -31.79$^{***}$ & -38.54$^{***}$\\   
                       & (7.128)        & (5.379)        & (4.182)       & (2.048)        & (1.582)        & (1.379)\\   
      $10-$15k         & 88.66$^{***}$  & 82.45$^{***}$  & 66.81$^{***}$ & -34.19$^{***}$ & -31.57$^{***}$ & -39.54$^{***}$\\   
                       & (7.192)        & (5.306)        & (4.112)       & (2.086)        & (1.580)        & (1.384)\\   
      $15-$25k         & 82.14$^{***}$  & 75.95$^{***}$  & 62.02$^{***}$ & -29.37$^{***}$ & -26.41$^{***}$ & -33.84$^{***}$\\   
                       & (7.067)        & (5.063)        & (3.779)       & (2.034)        & (1.520)        & (1.275)\\   
      $25-$35k         & 75.99$^{***}$  & 70.60$^{***}$  & 57.86$^{***}$ & -24.13$^{***}$ & -21.10$^{***}$ & -28.16$^{***}$\\   
                       & (6.872)        & (4.823)        & (3.507)       & (1.965)        & (1.455)        & (1.179)\\   
      $35-$50k         & 66.61$^{***}$  & 65.34$^{***}$  & 53.97$^{***}$ & -23.83$^{***}$ & -20.54$^{***}$ & -26.93$^{***}$\\   
                       & (6.679)        & (4.741)        & (3.403)       & (1.908)        & (1.414)        & (1.123)\\   
      $50-$75k         & 59.09$^{***}$  & 59.52$^{***}$  & 49.17$^{***}$ & -20.85$^{***}$ & -17.92$^{***}$ & -23.59$^{***}$\\   
                       & (6.333)        & (4.528)        & (3.192)       & (1.807)        & (1.360)        & (1.058)\\   
      $75-$100k        & 43.13$^{***}$  & 47.02$^{***}$  & 39.25$^{***}$ & -18.80$^{***}$ & -16.13$^{***}$ & -20.88$^{***}$\\   
                       & (5.826)        & (4.213)        & (2.887)       & (1.679)        & (1.283)        & (0.9799)\\   
      $100-$150k       & 24.70$^{***}$  & 31.46$^{***}$  & 27.40$^{***}$ & -10.86$^{***}$ & -8.620$^{***}$ & -11.80$^{***}$\\   
                       & (4.901)        & (3.639)        & (2.325)       & (1.401)        & (1.101)        & (0.8107)\\   
      $150-$200k       & 1.611          & 7.773$^{***}$  & 7.673$^{***}$ & -5.365$^{***}$ & -4.319$^{***}$ & -5.791$^{***}$\\   
                       & (3.583)        & (2.810)        & (1.645)       & (1.002)        & (0.8331)       & (0.6440)\\   
      Black            & 24.59$^{***}$  & -20.54$^{***}$ & 7.402$^{***}$ & -1.562         & -12.96$^{***}$ & -3.147$^{***}$\\   
                       & (8.166)        & (4.553)        & (1.499)       & (1.314)        & (1.327)        & (0.5982)\\   
      Asian            & -12.83$^{**}$  & -20.56$^{***}$ & -1.394        & -24.06$^{***}$ & -17.50$^{***}$ & -9.420$^{***}$\\   
                       & (5.992)        & (3.997)        & (1.656)       & (1.327)        & (1.301)        & (0.7211)\\   
      Native Am.       & 34.06$^{***}$  & 23.98$^{***}$  & 23.28$^{***}$ & -6.037$^{**}$  & 3.718$^{**}$   & 1.625\\   
                       & (7.021)        & (4.135)        & (3.072)       & (2.581)        & (1.503)        & (1.209)\\   
      Other            & -2.256         & -7.587$^{**}$  & 7.209$^{***}$ & -15.52$^{***}$ & -8.685$^{***}$ & -1.936$^{***}$\\   
                       & (4.791)        & (3.397)        & (1.170)       & (1.099)        & (1.050)        & (0.4855)\\   
      Rural PUMA       & 110.2$^{***}$  & 93.93$^{***}$  &               & 39.64$^{***}$  & 40.02$^{***}$  &   \\   
                       & (9.355)        & (6.032)        &               & (2.661)        & (2.249)        &   \\   
      \midrule
      \emph{Fixed-effects}\\
      State            &                & Yes            &               &                & Yes            & \\  
      PUMA             &                &                & Yes           &                &                & Yes\\  
      \midrule
      \emph{Fit statistics}\\
      Observations     & 5,947,311      & 5,947,311      & 5,947,311     & 5,947,311      & 5,947,311      & 5,947,311\\  
      R$^2$            & 0.03280        & 0.27174        & 0.39138       & 0.02295        & 0.09710        & 0.18172\\  
      Within R$^2$     &                & 0.02885        & 0.00486       &                & 0.02312        & 0.00591\\  
      \midrule \midrule
      \multicolumn{7}{l}{\emph{ Clustered (PUMA) standard-errors in parentheses }}\\
      \multicolumn{7}{l}{\emph{ Signif. Codes: $^{***}$: 0.01, $^{**}$: 0.05, $^{*}$: 0.1 }}\\
      \multicolumn{7}{l}{\emph{ Omitted categories are income: \$200k+, race: White }}\\
   \end{tabular}
\end{table}


